Outstanding portfolio (USD) | USD 2,448,478 |
Portfolio (USD) | USD 2,448,478 |
Active Clients with Loans | 1,527 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | x |
Consumer loan | x |
Agriculture | |
Education | x |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | x |
Must be a salaried worker | x |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 2 |
# Regions for this product | 2 |
Regions Active | Kandal, Phnom Penh |
Currency | USD |
Minimum loan size | USD 1,500 |
Maximum loan size | 27,000 |
Loans less than USD 250 | 0 |
USD 250-1,000 | 0 |
USD 1,000-1,500 | 0 |
USD 1,500-2,000 | 40% |
USD 2,000-2,500 | 20% |
Greater than USD 2,500 | 20% |
Shortest loan term | 12.0 months |
Longest loan term | 30.0 months |
Approx average | dk |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 10% |
Between 13 and 18 months | 0 |
Longer than 18 months | 90% |
Grace period usage | 10% |
Average grace period | 3.0 months |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 1.90% |
Highest quoted nominal interest | 2.40% |
Reason(s) why interest rate varies | Branch, Loan Size, Client Risk |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | No |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | USD 1,800 | USD 2,000 | USD 2,500 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-03-29 | 2013-02-20 | 2012-10-26 | ||
Loan Term (Months) | 13.0 months | 24.0 months | 24.0 months | ||
Grace Period (Months) | 0.5 months | -0.3 months | -0.1 months | ||
Total Cost of Credit | USD 300.96 | USD 461.86 | USD 619.08 | ||
True Price by Comp | |||||
Interest price component | 22.5% | 21.5% | 22.3% | ||
Fee Component | 0.0% | 0.0% | 0.0% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 22.5% | 21.5% | 22.3% | ||
Transparency Index | 100 | 100 | 100 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://adjesum.multiply.com/ |
Year established | 1997 |
Head of Institution | Sr. Bernadette R. Dollete, CSJ |
Regions active | |
# Branches | 9 |
Total Portfolio (nat'l) | PhP 76,253,793 |
Total Portfolio (USD) | USD 1,824,253.42 |
Active clients with loans | 9,525 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | People's Credit and Finance Corporation (PCFC), National Livelihood Development Corporation (NLDC), PinoyME Foundation, Responsible Investment for Solidarity Empowerment |
Funders | Catholic Relief Services |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asset Acquisition - Land | PHP 40,000 - 70,000 | 36 | 80% - 100% | 20% - 40% | Housing | Women, Men | Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
Educational Loan | PHP 3,000 - 5,000 | 6 | 80% - 100% | 0% - 20% | Education | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
Grameen I or Regular Loan | PHP 3,000 - 60,000 | 6 - 12 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
House Repair Loan | PHP 3,000 - 5,000 | 6 | 80% - 100% | 20% - 40% | Housing | Women, Men, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
Micro-Agri Loan | PHP 5,000 - 70,000 | 6 - 12 | 60% - 80% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits | |||||||
Multi Purpose Loan | PHP 5,000 - 15,000 | 6 - 12 | 80% - 100% | 20% - 40% | Any Purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asset Acquisition - Land | 10.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 73.8% | 78.7% | 13 | ||||||||
Educational Loan | 0.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 12.3% | 125% | 0 | ||||||||
Grameen I or Regular Loan | 36.0% annual, Flat | 1 Fee | 2 Ins | 1.00% loan amt | 5.0% upfront 8.00-20.00 ongoing | 73.8% - 81.8% | 87% - 224% | 31 | ||||||||
House Repair Loan | 12.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 23.6% | 174.9% | 7 | ||||||||
Micro-Agri Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 42.9% - 43.7% | 44.4% - 56.4% | 74 | ||||||||
Multi Purpose Loan | 36.0% annual, Flat | 1 Fee | 2 Ins | None | 5.0% upfront 20.00 ongoing | 73.8% | 102.6% - 139.1% | 30 |
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% Products using declining balance | |
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% Products with one or more insurances | |
% Products with compulsory deposits |
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